Common use of Optional Repayment Clause in Contracts

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 dated June 16, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 017 dated June 16March 24, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 043 dated June 16July 7, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 016 dated June 16March 24, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 033 dated June 16May 19, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 031 dated June 16May 12, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 036 dated June 169, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 054 dated June 16September 8, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 042 dated June 16July 7, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 053 dated June 16September 2, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 047 dated June 16July 28, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 025 dated June 16April 21, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 020 dated June 16April 7, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 029 dated June 16May 5, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 034 dated June 162, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 022 dated June 16April 14, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 052 dated June 16August 25, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 050 dated June 16August 11, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 019 dated June 16March 31, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 041 dated June 1630, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 028 dated June 16April 28, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 014 dated June 16March 10, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 048 dated June 16August 4, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 051 dated June 16August 18, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 030 dated June 16May 12, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 023 dated June 16April 14, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 040 dated June 1623, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 046 dated June 16July 28, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 032 dated June 16May 19, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 024 dated June 16April 21, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 027 dated June 16April 28, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 049 dated June 16August 11, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 018 dated June 16March 31, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 021 dated June 16April 7, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 038 dated June 16, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 045 dated June 16July 21, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 039 dated June 1623, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 044 dated June 16July 14, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 037 035 dated June 169, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.